---
canonical_url: https://lendb.ai/lo/carlos-moctezuma-960434
json_url: https://lendb.ai/lo/carlos-moctezuma-960434.json
nmls_id: 960434
last_verified: 2026-10-09
---

# Carlos Moctezuma

Mortgage Banker Market Specialist at First Citizens Bank, Ontario, CA. NMLS ID 960434 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/960434)).

**Summary:** Carlos Moctezuma (NMLS 960434) is Mortgage Banker Market Specialist at First Citizens Bank, based in Ontario, CA. Works at a bank, so likely federally registered: Federally registered MLOs aren't state-licensed; verify at NMLS. Focus areas shown on the lender page: Construction loan, Down payment assistance, FHA loan, First-time buyer and Jumbo loan. States 30 years of experience. Last verified 2026-10-09.

## At a glance

- Licensed since: unknown (no state regulator record on file). This is license history on file, not total experience.
- Years experience (stated by the LO): 30 (source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma, verified 2026-10-09)
- Licensed in: no license list on file; check NMLS Consumer Access
- Federal registration: likely (works at a bank). Federally registered MLOs aren't state-licensed; verify at NMLS.
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Down payment assistance** (`down-payment-assistance`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Jumbo loan** (`jumbo`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Physician and medical professional** (`physician`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **USDA loan** (`usda`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **VA loan** (`va`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- **Vacation home** (`vacation-home`): lender page, confidence 0.70, verified 2026-10-09. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma

## About

Carlos Moctezuma brings over 30 years of lending experience. He specializes in helping first-time homebuyers access low down payment programs, down payment assistance, and grants, while maintaining exceptional on-time closing rates.

Source: LenDb summary of the lender page, verified 2026-10-09.

## Facts from the lender page and intro

- years_experience: 30. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma, verified 2026-10-09.
- community: Past President of NAHREP; leads workshops and community events focused on financial literacy and wealth building. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma, verified 2026-10-09.
- service_area: Southern California including Los Angeles, Orange, Riverside, San Bernardino, San Diego, and Ventura Counties. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma, verified 2026-10-09.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|

## Employment history

- ? to present: First Citizens Bank (NMLS 503941), Ontario, CA. Source: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma, verified 2026-10-09.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/960434

## Contact

- linkedin_url: https://www.linkedin.com/in/carlosmoctezuma (source: lender_site, verified 2026-10-09)
- View profile at First Citizens Bank: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma
- Office phone and Email on file: shown at https://lendb.ai/lo/carlos-moctezuma-960434#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/960434
- lender_site: https://bankers.firstcitizens.com/mortgage/ca/ontario/carlos-moctezuma

Cite as: Carlos Moctezuma (NMLS 960434), First Citizens Bank. LenDb.ai, https://lendb.ai/lo/carlos-moctezuma-960434, last verified 2026-10-09.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._